500 Labs

CrediLinq.Ai is revolutionizing SME lending using AI and machine learning. They Linq artificial intelligence & machine learning with credit underwriting.

RealAtom, LLC is a commercial real estate debt platform established in 2016 and headquartered in Washington, D.C. The company facilitates connections between borrowers and a network of lenders seeking investment opportunities in commercial properties. By providing a digital platform, RealAtom enables commercial property owners, brokers, and lenders to efficiently secure loans and manage financing transactions. The technology used by RealAtom supports the handling of billions of dollars in commercial real estate loans annually, streamlining the financing process for all parties involved.

Baubap is a developer of a microlending financial platform focused on providing personal loans. The platform allows customers to access instant loans through a user-friendly application, eliminating the need for extensive documentation and complex procedures. This streamlined process enables users to apply for loans conveniently, anytime and anywhere, enhancing accessibility to financial support.

C-Stacks Inc., formerly known as CreditStacks, is a financial services company that specializes in providing credit cards to individuals, including those without a local U.S. credit history. Founded in 2015 and headquartered in Sioux Falls, South Dakota, the company has developed a credit card specifically for professionals. Operating under the name Jasper, C-Stacks employs technology to evaluate applicants holistically, enabling many to qualify for a premium Jasper Mastercard issued by WebBank, even if they are new to building credit. This approach aims to support individuals in starting their credit journeys while offering them access to essential financial tools.

Funding Societies Pte. Ltd. is a peer-to-peer financing platform based in Singapore, founded in 2015. It connects investors with small and medium-sized enterprises (SMEs) seeking funding, thereby addressing financial inclusion challenges and making credit-worthy SMEs more bankable. The platform offers a range of flexible financing options, including micro and term loans, as well as invoice financing, supported by advanced credit scoring and risk assessment models. Since its inception, Funding Societies has facilitated over 3.3 million business loans, amounting to more than S$1.8 billion in funding. The company has received multiple accolades, including the Global Excellence Award from ITU Telecom, and holds operating licenses from regulators in Singapore, Indonesia, and Malaysia, making it a pioneer in the region's peer-to-peer lending landscape.

Graviti offers you the products you need the most, financed for months. No credit or debit card, no initial payment, no arrears, and with your credit approved immediately. Graviti wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them.

Instacash is a lending marketplace that uses preauthorized credit cards as collateral. For investors, this minimizes risk while maximizing returns. For borrowers, this allocates loans instantly at an affordable rate. Using Instacash, investors decide how much they want to invest by allocating money into a secure digital wallet. This gives investors a set interest rate of return. All repayments will then be deposited into the same wallet and the investor will be able to withdraw their money whenever they want. Meanwhile, borrowers can set their desired loan amount and loan time frame. After verifying their credit card, the Instacash secure technology will preauthorize the collateral for the loan amount, which will be reduced as long as the borrower continues repaying the loan. With our immediate peer-to-peer payment service, the money will go directly from the investor to the borrower, with a small commission going to help us continue advancing our platform. Users can track and manage all their operations from any digital device in real time. With smart contracts, all users’ data and privacy are secure and protected. Instacash applies cutting-edge technology such as machine learning, artificial intelligence, and blockchain to ensure a fast, secure, and reliable platform, allowing you to get money when you need it or make money when you want to invest. Through money democratization, Instacash positively impacts people’s lives. We’re changing the world by revolutionizing the way money—and opportunities—are distributed. Instacash, spreading opportunities with loans powered by people.

Lendo is a fintech company that offers a peer-to-peer lending platform with core focus towards SMEs' debt finance. Its platform provides a variety of financing products for SMEs with an initial focus on pre-invoicing finance. The company was founded in 2019 and is based in Saudi Arabia.

At Cushion, our goal is to democratize access to financial help, not just financial advice - enabling consumers to waste less money, save more, and live financially healthier lives. We believe that the future of consumer finance is all about intelligently doing work on behalf of the end user - requiring very little input from, or interaction with, the consumer. Our first offering is a bot that negotiates with banks, on behalf of our customers, to get their bank fees and credit card interest charges waived - a $200 Billion annual problem in the U.S.

Feige develops credit cards and credit lines for the brave and relentless freelancers of Southeast Asia. It helps in bridging working capital gaps so its users can focus on their passion. It was founded in 2020 and is based in Singapore.

Bloom Credit is a fintech platform that works to improve the financial eligibility of people declines for lending products. The company's technology uses a data-driven approach to offer actionable advice, insights, and guidance working directly with lenders to graduate their applicants through consumer credit analysis, ongoing credit monitoring and alerting lenders when an applicant meets eligibility requirements, enabling consumers to improve their financial health and loan eligibility. With credit at the heart of financial customer relationships, BloomCredit creating advanced developer-friendly API solutions that can improve, monitor, and promote credit health to build trust between consumers and the financial institutions that serve them. It was founded in 2016 and is based in New York, United States.

Impact Credit Solutions develops a financial technology platform designed to provide finance to investors. Its platform offers credit to online lending platforms that focus on SME and consumer lending as well as give access to alternative lending investments, enabling lending platforms to get financial support to lend money to consumers and SME.

Amalan International is a company that assists distressed consumers and small business owners in Southeast Asia in restructuring and refinancing their loans. It operates debt management programs aimed at helping clients regain creditworthiness. The company collaborates with lenders to provide affordable loan restructuring solutions and emphasizes financial literacy. Through debt negotiations and the design of tailored repayment plans, Amalan enables its clients to settle their debts in a timely manner, thereby avoiding penalties and high interest rates.

At Cushion, our goal is to democratize access to financial help, not just financial advice - enabling consumers to waste less money, save more, and live financially healthier lives. We believe that the future of consumer finance is all about intelligently doing work on behalf of the end user - requiring very little input from, or interaction with, the consumer. Our first offering is a bot that negotiates with banks, on behalf of our customers, to get their bank fees and credit card interest charges waived - a $200 Billion annual problem in the U.S.

Graviti offers you the products you need the most, financed for months. No credit or debit card, no initial payment, no arrears, and with your credit approved immediately. Graviti wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them.

Fairbanc is a scalable, AI-powered mobile loan and payments platform for emerging market small-medium enterprises (SMEs) that requires no collateral or credit history. The company's AI-powered platform can read digital footprints such as transaction history with large suppliers, and data on the mobile phone to grant instant digital credit line that SMEs can use to purchase inventories from our selected suppliers. Fairbanc's proven gender-intelligent ecosystem for loans and payments can be used in many vertical markets, eliminating the shortcomings of cash. Retail shop-owners can boost sales up to 20%, eliminate cash shortages, enjoy an easier payments regimen, and develop a credit history; suppliers receive more consistent order cycles, more instant payments upon delivery, and SKU sales expansion.

liwwa connects small businesses in need of capital with people who want to invest in them. The company’s peer-to-peer lease-to-own model addresses the capital access and interest-free investor return opportunities. Liwwa conducts in-house reviews of a small business's creditability and enables them to pay a monthly fee to investors. Founded in 2013, Liwwa raised seed funding with DASH Ventures, al Etihad, and MENA Venture Investments, which it plans to use to hire several new team members, including an underwriting team and to support a new product offering.

Aingel is an analytics platform that leverages artificial intelligence to identify promising startups and connect them with suitable venture capitalists. The platform features an interactive dashboard and a VC match report that assesses both startups and investors based on over one hundred criteria, incorporating historical data to enhance investment decision-making. By facilitating faster fundraising, Aingel aligns founders with investors who are most likely to provide value and show interest in their business ideas. The platform is utilized by leading data-driven venture capital firms, banks, and fintech companies through its APIs, which streamline the process of startup discovery and analysis. Established in 2016, Aingel is headquartered in San Jose, California.

Pandacredit works closely with ecosystem partners to provide consumers with credit scores using unconventional and unstructured data, allowing under-banked population to be service by traditional financial institutions.

C-Stacks Inc., formerly known as CreditStacks, is a financial services company that specializes in providing credit cards to individuals, including those without a local U.S. credit history. Founded in 2015 and headquartered in Sioux Falls, South Dakota, the company has developed a credit card specifically for professionals. Operating under the name Jasper, C-Stacks employs technology to evaluate applicants holistically, enabling many to qualify for a premium Jasper Mastercard issued by WebBank, even if they are new to building credit. This approach aims to support individuals in starting their credit journeys while offering them access to essential financial tools.

Lendo is a fintech company that offers a peer-to-peer lending platform with core focus towards SMEs' debt finance. Its platform provides a variety of financing products for SMEs with an initial focus on pre-invoicing finance. The company was founded in 2019 and is based in Saudi Arabia.

MoneyFellows Limited operates a lending and savings platform. The company's platform provides its user to join suitable money circle based on their credit score; then the users pay a matching monthly installment, for a pre-defined number of months, placed in a common pot; and each month, one member receives the total money in the common pot, until all members have received their Payout once, ending the Money Circle. MoneyFellows Limited was formerly known as Moneyounion Limited and changed its name to MoneyFellows Limited in February 2015. MoneyFellows Limited was incorporated in 2014 and is based in London, United Kingdom.

Trusting Social Pte. Ltd. is a Singapore-based company that redefines credit scoring by leveraging big data technology alongside social, web, and mobile information. Established in 2013, it provides a solution known as Credit Scoring 2.0, which allows lenders in emerging markets to extend credit to consumers who lack traditional credit histories. This innovative approach targets billions of "financially invisible" individuals in countries such as Vietnam, Indonesia, and India. Trusting Social's scoring methodology has been demonstrated to be more accurate, faster, and cost-effective compared to conventional credit assessment methods. The company maintains additional offices in several key cities across Southeast Asia and India, reflecting its commitment to expanding access to financial services in underserved markets.

Aingel is an analytics platform that leverages artificial intelligence to identify promising startups and connect them with suitable venture capitalists. The platform features an interactive dashboard and a VC match report that assesses both startups and investors based on over one hundred criteria, incorporating historical data to enhance investment decision-making. By facilitating faster fundraising, Aingel aligns founders with investors who are most likely to provide value and show interest in their business ideas. The platform is utilized by leading data-driven venture capital firms, banks, and fintech companies through its APIs, which streamline the process of startup discovery and analysis. Established in 2016, Aingel is headquartered in San Jose, California.

Blend Labs, Inc. specializes in developing software solutions for mortgage and consumer lending. The company offers a comprehensive suite of services that enhance the customer journey, including personalized consumer experiences, flexible application intake, and automated data verification. Its platform facilitates the collection of necessary documentation and streamlines the closing process, ensuring efficient integration with customer relationship management systems and loan origination systems. By serving banks, credit unions, and mortgage bankers, Blend enables financial institutions to improve customer acquisition and deepen relationships, processing over $3.5 billion in loans daily. Founded in 2012 and headquartered in San Francisco, Blend's digital lending platform is utilized by major financial institutions such as Wells Fargo and U.S. Bank, helping millions of consumers access home financing and other essential banking products.

Grupo DB Menos S.A.P.I. de C.V., founded in 2017 and headquartered in Morelia, Mexico, operates a digital platform focused on providing unsecured consumer loans. This platform facilitates the creation of digital accounts for users, enabling them to manage their financial needs more effectively. Additionally, DB Menos offers debt settlement services aimed at assisting individuals struggling with over-indebtedness. The company provides both legal and financial advice to help clients navigate their debt challenges, promoting financial stability and responsible borrowing practices.

Baubap is a developer of a microlending financial platform focused on providing personal loans. The platform allows customers to access instant loans through a user-friendly application, eliminating the need for extensive documentation and complex procedures. This streamlined process enables users to apply for loans conveniently, anytime and anywhere, enhancing accessibility to financial support.

Chipper, Inc. develops a student loan management application. Its platform allows the students to analyze, manage, and pay back their student debt. The company was founded in 2017 and is based in Austin, Texas.

Deepsparks Company Limited operates as a financial technology company that develops a platform for marketing and alternative scoring applications. The company focuses on implementing artificial intelligence (AI) technology in the credit scoring in the loan approval process by analyzing data, enabling financial institutions and the micro lenders to serve the underbanked sector. It serves AI-based marketing and digital lending clients. The company is based in Bangkok, Thailand.

Graviti offers you the products you need the most, financed for months. No credit or debit card, no initial payment, no arrears, and with your credit approved immediately. Graviti wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them.

Rebeja Tus Cuentas helps people pay less interest on their mortgage loans and credit cards.

Bloom Credit is a fintech platform that works to improve the financial eligibility of people declines for lending products. The company's technology uses a data-driven approach to offer actionable advice, insights, and guidance working directly with lenders to graduate their applicants through consumer credit analysis, ongoing credit monitoring and alerting lenders when an applicant meets eligibility requirements, enabling consumers to improve their financial health and loan eligibility. With credit at the heart of financial customer relationships, BloomCredit creating advanced developer-friendly API solutions that can improve, monitor, and promote credit health to build trust between consumers and the financial institutions that serve them. It was founded in 2016 and is based in New York, United States.

Nearside, founded in 2018 and based in San Francisco, California, specializes in providing lines of credit for small business owners. The company offers a unique Hatch card that allows users to access funds for daily business expenses, addressing the needs of those who may struggle to secure credit from traditional sources. By empowering business owners with essential financial tools and support, Nearside aims to facilitate their success and improve access to credit for small businesses.

Chipper, Inc. develops a student loan management application. Its platform allows the students to analyze, manage, and pay back their student debt. The company was founded in 2017 and is based in Austin, Texas.

Cred is a decentralized lending ecosystem that facilitates open access to credit anywhere and anytime based on the Ethereum blockchain. Founded in 2017, the company is headquartered in San Francisco, California, United States.

Spring Labs is the company building out the spring protocol, a network designed to allow network participants, such as financial institutions, to share information about data, such as credit and identity data, without needing to share the underlying data itself. They allow institutions to directly share information among themselves to verify identities and reduce fraud - all while protecting consumer data. Spring Labs uses an attestation-based approach reducing the risk and severity of data breaches for financial institutions and consumers. The Spring Protocol separates data ownership from data value, allowing competitively-sensitive parties to exchange information directly and in a fundamentally new way. Spring Labs was founded in 2017 and is based in Marina Del Rey, California, United States.

Trusting Social Pte. Ltd. is a Singapore-based company that redefines credit scoring by leveraging big data technology alongside social, web, and mobile information. Established in 2013, it provides a solution known as Credit Scoring 2.0, which allows lenders in emerging markets to extend credit to consumers who lack traditional credit histories. This innovative approach targets billions of "financially invisible" individuals in countries such as Vietnam, Indonesia, and India. Trusting Social's scoring methodology has been demonstrated to be more accurate, faster, and cost-effective compared to conventional credit assessment methods. The company maintains additional offices in several key cities across Southeast Asia and India, reflecting its commitment to expanding access to financial services in underserved markets.

C-Stacks Inc., formerly known as CreditStacks, is a financial services company that specializes in providing credit cards to individuals, including those without a local U.S. credit history. Founded in 2015 and headquartered in Sioux Falls, South Dakota, the company has developed a credit card specifically for professionals. Operating under the name Jasper, C-Stacks employs technology to evaluate applicants holistically, enabling many to qualify for a premium Jasper Mastercard issued by WebBank, even if they are new to building credit. This approach aims to support individuals in starting their credit journeys while offering them access to essential financial tools.

Moneytor is helping automate debt collection. They endeavor to convert a frowned upon part of the financial chain into a happy experience for both, financial firms and their customers. By doing this, they shall help lenders reduce their recovery costs as well as default rates, while still maintaining friendly relations with their clients.

MoneyFellows Limited operates a lending and savings platform. The company's platform provides its user to join suitable money circle based on their credit score; then the users pay a matching monthly installment, for a pre-defined number of months, placed in a common pot; and each month, one member receives the total money in the common pot, until all members have received their Payout once, ending the Money Circle. MoneyFellows Limited was formerly known as Moneyounion Limited and changed its name to MoneyFellows Limited in February 2015. MoneyFellows Limited was incorporated in 2014 and is based in London, United Kingdom.

Asaak Financial Services Limited is a Uganda-based company founded in 2016 that operates a platform designed to connect borrowers with lenders. The platform primarily focuses on providing micro financing to clients who require funds to grow their businesses. By facilitating these financial transactions, Asaak aims to enhance access to capital for individuals and small enterprises in emerging markets, thereby contributing to economic development in the region.

Apurata is a financial services platform aimed at providing accessible credit to the middle-class population in Latin America, particularly targeting the unbanked and underbanked segments. The company leverages proprietary technology and streamlined origination processes to facilitate quick access to small loans, personal credits, and online loans. With a focus on the Peruvian market, Apurata addresses a significant opportunity in the region, estimated at $3 billion, as part of a larger $25 billion market across Latin America. The platform allows users to apply for credit digitally, enabling them to receive funding in less than thirty minutes. Apurata is actively expanding its operations and is seeking to hire professionals in various roles, including software development, risk management, operations, customer service, and collections.

Aella Credit provides instant credit solutions that eliminates the hassle of standard loan applications and enables employee to borrow at competitive and fair rates through their employers. Individuals can download the application through Android devices. Benefits of the platform are offered to employees, companies, and investors. The offices of the company are located across the United States and Nigeria.

C-Stacks Inc., formerly known as CreditStacks, is a financial services company that specializes in providing credit cards to individuals, including those without a local U.S. credit history. Founded in 2015 and headquartered in Sioux Falls, South Dakota, the company has developed a credit card specifically for professionals. Operating under the name Jasper, C-Stacks employs technology to evaluate applicants holistically, enabling many to qualify for a premium Jasper Mastercard issued by WebBank, even if they are new to building credit. This approach aims to support individuals in starting their credit journeys while offering them access to essential financial tools.

RealAtom, LLC is a commercial real estate debt platform established in 2016 and headquartered in Washington, D.C. The company facilitates connections between borrowers and a network of lenders seeking investment opportunities in commercial properties. By providing a digital platform, RealAtom enables commercial property owners, brokers, and lenders to efficiently secure loans and manage financing transactions. The technology used by RealAtom supports the handling of billions of dollars in commercial real estate loans annually, streamlining the financing process for all parties involved.

At Cushion, our goal is to democratize access to financial help, not just financial advice - enabling consumers to waste less money, save more, and live financially healthier lives. We believe that the future of consumer finance is all about intelligently doing work on behalf of the end user - requiring very little input from, or interaction with, the consumer. Our first offering is a bot that negotiates with banks, on behalf of our customers, to get their bank fees and credit card interest charges waived - a $200 Billion annual problem in the U.S.

We provide value to our users through free financial advising. We are able to prepare personalized financial product suggestions for our customers, which are based on data we collect from the Credit Bureau and other alternative sources.

Spinned out from LENDY, the balance-sheet online lending service for SMBs, Credit Engine is the only player that provides online lending platform for financial institutions in Japan. The company is founded in Nov 2018. Its online lending platform enables financial institutions to launch their lending service of their own brand with sophisticated user interface and streamlined operation processes. The platform is selected by Japanese top-tier banks including Mitsubishi UFJ Financial Group and Mizuho Financial Group.

Lendy is an Operation of online lending service

Aella Credit provides instant credit solutions that eliminates the hassle of standard loan applications and enables employee to borrow at competitive and fair rates through their employers. Individuals can download the application through Android devices. Benefits of the platform are offered to employees, companies, and investors. The offices of the company are located across the United States and Nigeria.

Aingel is an analytics platform that leverages artificial intelligence to identify promising startups and connect them with suitable venture capitalists. The platform features an interactive dashboard and a VC match report that assesses both startups and investors based on over one hundred criteria, incorporating historical data to enhance investment decision-making. By facilitating faster fundraising, Aingel aligns founders with investors who are most likely to provide value and show interest in their business ideas. The platform is utilized by leading data-driven venture capital firms, banks, and fintech companies through its APIs, which streamline the process of startup discovery and analysis. Established in 2016, Aingel is headquartered in San Jose, California.

StreamLoan, Inc. is a technology company that operates an online platform designed to streamline the processing of loans and mortgages. Founded in 2015 by Stephen Bulfer and Armando Gonzalez, the platform focuses on enhancing the home purchasing experience through collaboration tools, auto-document aggregation, and policy management. By partnering with large commercial banks, wealth management firms, insurance companies, and payroll processors, StreamLoan facilitates the purchase and refinancing of loans. Based in San Francisco, California, the company aims to simplify the mortgage process for consumers and professionals alike.

Trusting Social Pte. Ltd. is a Singapore-based company that redefines credit scoring by leveraging big data technology alongside social, web, and mobile information. Established in 2013, it provides a solution known as Credit Scoring 2.0, which allows lenders in emerging markets to extend credit to consumers who lack traditional credit histories. This innovative approach targets billions of "financially invisible" individuals in countries such as Vietnam, Indonesia, and India. Trusting Social's scoring methodology has been demonstrated to be more accurate, faster, and cost-effective compared to conventional credit assessment methods. The company maintains additional offices in several key cities across Southeast Asia and India, reflecting its commitment to expanding access to financial services in underserved markets.

PawnHero – the 1st online pawnshop in Southeast Asia, will solve this problem of expensive credit and interest rates. We provide an easy, fair and convenient way of overcoming short-term cash needs. This is a completely new way of doing business in the industry, truly revolutionary, created by genuine visionaries.

Float is a mobile-first financial service that helps young consumers access, manage, and proactively build credit. We offer thin-file consumers instant access to an affordable line of credit, direct from any smartphone, no FICO required.

Lenda Inc. operates an online platform that allows homeowners to complete their home loan process online. Lenda Inc. was formerly known as GoRefi, Inc. The company was founded in 2012 and is based in San Francisco, California. As of April 17, 2019, Lenda Inc. operates as a subsidiary of Reali, Inc..

We provide value to our users through free financial advising. We are able to prepare personalized financial product suggestions for our customers, which are based on data we collect from the Credit Bureau and other alternative sources.

With $11 million dollars in loan volume and growing, BTCJam has served more than 100,000 users from over 200 countries. BTCJam’s mission is to offer affordable credit to everyone. The company employs a proprietary credit scoring algorithm to predict the repayment rate of borrowers, and uses bitcoin to offer fast and inexpensive transactions. If you would like to borrow bitcoin, apply for loans with rates as low as 6.7% APR. Want to earn interest on your bitcoin? Investments on BTCJam average 19% APR. Integrated with Coinbase, bitcoin transfers are simple for borrowers and investors. Try it today!

LendSquare helps people invest in small businesses in their neighborhood by lending them money. This community-focused approach has advantages over traditional sources ofcredit: it's cheaper for businesses, it strengthens community bonds, and it allows individuals to invest in places they understand and love.

With $11 million dollars in loan volume and growing, BTCJam has served more than 100,000 users from over 200 countries. BTCJam’s mission is to offer affordable credit to everyone. The company employs a proprietary credit scoring algorithm to predict the repayment rate of borrowers, and uses bitcoin to offer fast and inexpensive transactions. If you would like to borrow bitcoin, apply for loans with rates as low as 6.7% APR. Want to earn interest on your bitcoin? Investments on BTCJam average 19% APR. Integrated with Coinbase, bitcoin transfers are simple for borrowers and investors. Try it today!

We provide value to our users through free financial advising. We are able to prepare personalized financial product suggestions for our customers, which are based on data we collect from the Credit Bureau and other alternative sources.

Gradible is the online destination for the 43 million people who hold student loans in the US. Our proprietary technology and team of student loan experts help in-debt individuals manage and optimize their student loans quickly and easily. Seventy percent of individuals with student loans are paying more than needed each month, simply because they're not aware of solutions that fit their unique circumstances, or are unsure how to navigate the complexity of the student loan repayment space. Gradible solves this problem with a free, simple, intuitive application which quickly matches them with qualifying programs, and helps them through the complexity of the approval process.

Lenda Inc. operates an online platform that allows homeowners to complete their home loan process online. Lenda Inc. was formerly known as GoRefi, Inc. The company was founded in 2012 and is based in San Francisco, California. As of April 17, 2019, Lenda Inc. operates as a subsidiary of Reali, Inc..

Credii Technologies Private Limited offers Credii, a software selection tool for businesses to find the right software. The company also offers Credii as a platform exclusively for IT and business executives. It serves midsized legal firms and small advertising agencies. The company was founded in 2010 and is based in Bengaluru, India.

Credit Karma is a personal finance company founded in 2007 and headquartered in San Francisco, California. It aims to assist individuals in making informed financial decisions by providing free access to credit reports and personalized financial advisory services. With a membership base exceeding 100 million, Credit Karma offers various tools and recommendations that help users secure better loan deals, save money, and monitor their credit status. The company's mission is to empower people to understand their finances and enhance their financial well-being.